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16 De Julio Group
In this Group: Flora, Emilene, Jovita, Victoria, Rosmery, Elizabeth, Osvaldo, Claudia*, Dionicio, Bebi Carla, Karina Ysabel, Marianela*, Yoselit, Maricela, Dolly, Maria Luisa
* not pictured
The communal bank "16 D. julio" is represented by Flora, and has 16 members. The group includes two sisters, Emilene and Karina Isabel, although they have completely independent sources of income and will not pose a risk to the group. In general, the members rely on income generated by the sale of products like clothing, food, home-maD. bread, groceries, electrical services, and public transport.

Competition in these areas is high, but the experience of the group members helps them succeed, since their families depend on them. The loan will be used to increase their merchandise, materials, supplies, and to acquire and repair tools for work.

The members have minimal experience in group loans, but they have the will to work and succeed, which is why the Fundación Agrocapital is extending them this loan so that they can give their families a better quality of life.

View original language description ↓
El banco comunal 16 D. julio esta representado por la señora Flora y conformado por 16 miembros dentro D. los cuales existe un parentesco familiar entre la señora Emilene y Karina Isabel que son hermanas pero con fuentes D. ingresos totalmente independientes por lo que no representa un riesgo para el grupo. En general las socias cuentan con ingresos generados D. la venta D. productos como ropa, comida, elaboración D. pan casero, venta D. abarrotes, servicios eléctrico y D. trasporte público D. pasajeros. La competencia dentro D. estos rubros es elevada pero la experiencia D. los miembros del grupo les ayuda a salir adelante ya que D. ello depenD. el sustento D. sus familias. El destino del financiamiento es para el incremento D. sus mercaderías, materiales, insumos y la adquisición D. herramientas D. trabajo o la reparación D. las mismas. La experiencia D. las socias en créditos solidarios es mínima pero cuentan con ganas D. trabajar y salir adelante por lo que la Fundación Agrocapital les brinda un apoyo económico para que puedan darles a sus familias una mejor calida D. vida.

Additional Information

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Bolivia

  • $5,500
    Average annual income
  • 128
    View loans »
    Bolivia Loans Fundraising
  • $36,246,475
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of 16 De Julio Group's $3,650 loan helped a member capital for Business Operations.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 16, 2009
Jul 13, 2009
Currency Exchange Loss:
Jan 15, 2010